We want to be completely transparent with you about the nature of this tool and the information it provides.
About Our Content and Approach
Everything shared on this website represents our sincere attempt to help, based on widely accepted financial principles and what we believe could be beneficial for many people. However, these are simply our thoughts and perspectives, rooted in general investment concepts that have historically worked for many—though there's no guarantee they'll continue to work or that they'll work for your unique situation.
We genuinely want to help you explore the possibilities of redirecting expenses toward your financial future, but we recognize that your circumstances, goals, and needs are entirely your own.
Our Limitations and Your Responsibility
While we're happy to provide this calculator and educational content, we want you to understand our limitations:
- We are not professional investment advisors, nor do we aspire to be
- We cannot possibly know the full details of your personal financial situation, health needs, or life circumstances
- The general information provided here may not be suitable for your specific needs
- Any investment concepts discussed carry inherent risks that you should carefully consider
You are the expert on your own life and financial situation. We encourage you to make decisions based on your own research, needs, and ideally with guidance from qualified professionals who can properly assess your individual circumstances.
No Guarantees, Just Possibilities
We want to be crystal clear: there are absolutely no guarantees here. Market performance, personal circumstances, and life itself are unpredictable. What we're offering is simply a tool to help you visualize possibilities—not promises.
The calculations shown are based on historical averages and assumptions that may not reflect future reality. Your actual results could be very different, and you could potentially lose money in any investment.
Legal Notice
This website makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information presented and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis.
You are solely responsible for your own choices and any actions you take based on information found here.
Different Perspectives Welcome
We're not interested in convincing anyone of anything or debating investment philosophies. There are many valid approaches to personal finance and habit change. We've simply shared one perspective that focuses on compound growth through index fund investing.
We encourage you to explore other sources, compare different viewpoints, and decide for yourself what resonates with your values, goals, and circumstances. The financial world offers many paths—this is just one possible route worth considering.